Best Checking Accounts & Rates in Massachusetts - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
The best checking rates for Massachusetts include Baxter Credit UnionBaxter Credit Union100 Boston Scientific Way, Marlborough, MA 01752A5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, St Marys Credit UnionSt Marys Credit Union46 Lizotte Dr, Marlborough, MA 01752 3061A+5.0 ★Texas Ratio: 0.62% Kasasa Cash Checking at 5.25% APY, BankGloucesterBankGloucester160 Main St, Gloucester, MA 01930B+4.7 ★Texas Ratio: 19.12% Elite Reward Checking at 4.06% APY, Webster First Federal Credit UnionWebster First Federal Credit Union271 Greenwood St, Worcester, MA 01607A+5.0 ★Texas Ratio: 2.22% First Rate Checking at 4.00% APY, and Pentucket BankPentucket Bank1 Merrimack St, Haverhill, MA 01830A+5.0 ★Texas Ratio: 0.68% Rewards Checking at 4.00% APY. Checking account rates as of April 27, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare checking account rates across Massachusetts side-by-side. Massachusetts checking rates currently reach as high as 8.00% APY from Baxter Credit Union at 100 Boston Scientific Way, Marlborough, MA, 01752. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Massachusetts. Checking Account Rates Last Updated and Verified: April 27, 2026
Compare Checking Account Rates Today in Massachusetts
Marlborough, MA 01752
Qualifying balance up to $15000
Marlborough, MA 01752 3061
Qualifications Required; Qualifying balance up to $10,000.00
Gloucester, MA 01930
If requirements are met; Qualifications Required; have at least FIFTEEN (15) Debit Card purchases post and clear; have at least ONE (1) ACH Direct Deposit post and clear; receive electronic statements; Limited time offer.
Marlborough, MA 01752
Qualifying balance up to $15000
Worcester, MA 01607
No additional details provided.
Haverhill, MA 01830
No additional details provided.
Lee, MA 01238
Qualifications Required; Qualifying balance up to $10,000.00
Webster, MA 01570
No additional details provided.
EAST BOSTON, MA 02128 1864
No additional details provided.
Florence, MA 01062
No additional details provided.
North Brookfield, MA 01535
No additional details provided.
Lowell, MA 01852
No additional details provided.
Lynn, MA 01901 1101
Qualifications Required; Qualifying balance up to $20,000.00
South Easton, MA 02375
No additional details provided.
Fitchburg, MA 01420
Qualifications Required: enrollment in online banking and eStatements; direct deposit of at least $100; 10 debit card transactions posted and cleared per statement cycle; Balances up to and including $15,000.00 will earn an APY of 1.26%, and balances in excess of $15,000.00 will earn an APY of 1.26%-0.01%. If you do not meet the eligibility requirements during the statement cycle, the rate paid on your account on the entire balance will be 0.01% with an APY of 0.01%. To be eligible for the interest rates and APYs, and receive up to $20 reimbursement for foreign ATM fees, you must meet the following requirements during the statement cycle: enrollment in online banking and eStatements; a direct deposit of at least $100; 10 debit card transactions posted and cleared per statement cycle. Rate is subject to change. Fees may reduce earnings.
Yarmouth Port, MA 02675
No additional details provided.
Pittsfield, MA 01201
No additional details provided.
Walpole, MA 02081
Minimum balance to avoid fee: $2,500.00
Wakefield, MA 01880
No additional details provided.
No additional details provided.
Marlborough, MA 01752
Qualifying balance up to $15000
Marlborough, MA 01752 3061
Qualifications Required; Qualifying balance up to $10,000.00
Gloucester, MA 01930
If requirements are met; Qualifications Required; have at least FIFTEEN (15) Debit Card purchases post and clear; have at least ONE (1) ACH Direct Deposit post and clear; receive electronic statements; Limited time offer.
Lee, MA 01238
Qualifications Required; Qualifying balance up to $10,000.00
Marlborough, MA 01752
Qualifying balance up to $15000
Haverhill, MA 01830
No additional details provided.
Worcester, MA 01607
No additional details provided.
Webster, MA 01570
No additional details provided.
EAST BOSTON, MA 02128 1864
No additional details provided.
Florence, MA 01062
No additional details provided.
North Brookfield, MA 01535
No additional details provided.
Lynn, MA 01901 1101
Qualifications Required; Qualifying balance up to $20,000.00
Lowell, MA 01852
No additional details provided.
South Easton, MA 02375
No additional details provided.
Fitchburg, MA 01420
Qualifications Required: enrollment in online banking and eStatements; direct deposit of at least $100; 10 debit card transactions posted and cleared per statement cycle; Balances up to and including $15,000.00 will earn an APY of 1.26%, and balances in excess of $15,000.00 will earn an APY of 1.26%-0.01%. If you do not meet the eligibility requirements during the statement cycle, the rate paid on your account on the entire balance will be 0.01% with an APY of 0.01%. To be eligible for the interest rates and APYs, and receive up to $20 reimbursement for foreign ATM fees, you must meet the following requirements during the statement cycle: enrollment in online banking and eStatements; a direct deposit of at least $100; 10 debit card transactions posted and cleared per statement cycle. Rate is subject to change. Fees may reduce earnings.
Pittsfield, MA 01201
No additional details provided.
Yarmouth Port, MA 02675
No additional details provided.
Hadley, MA 01035
Now with uChoose Rewards.
Lowell, MA 01852
$0 - $10,000.00
Framingham, MA 01701
No additional details provided.
Marlborough, MA 01752 3061
Qualifications Required; Qualifying balance up to $10,000.00
Gloucester, MA 01930
If requirements are met; Qualifications Required; have at least FIFTEEN (15) Debit Card purchases post and clear; have at least ONE (1) ACH Direct Deposit post and clear; receive electronic statements; Limited time offer.
Haverhill, MA 01830
No additional details provided.
Lee, MA 01238
Qualifications Required; Qualifying balance up to $10,000.00
Lynn, MA 01901 1101
Qualifications Required; Qualifying balance up to $20,000.00
Fitchburg, MA 01420
Qualifications Required: enrollment in online banking and eStatements; direct deposit of at least $100; 10 debit card transactions posted and cleared per statement cycle; Balances up to and including $15,000.00 will earn an APY of 1.26%, and balances in excess of $15,000.00 will earn an APY of 1.26%-0.01%. If you do not meet the eligibility requirements during the statement cycle, the rate paid on your account on the entire balance will be 0.01% with an APY of 0.01%. To be eligible for the interest rates and APYs, and receive up to $20 reimbursement for foreign ATM fees, you must meet the following requirements during the statement cycle: enrollment in online banking and eStatements; a direct deposit of at least $100; 10 debit card transactions posted and cleared per statement cycle. Rate is subject to change. Fees may reduce earnings.
Florence, MA 01062
Qualifying balance up to $25,000.00
Lowell, MA 01852
$0 - $10,000.00
Lowell, MA 01852
Over $20,000
Dedham, MA 02026
No additional details provided.
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
No additional details provided.
Fall River, MA 02724 2935
No additional details provided.
Somerset, MA 02726
No additional details provided.
Fall River, MA 02724 2935
No additional details provided.
Cambridge, MA 02140
No additional details provided.
Somerville, MA 02145
No additional details provided.
Somerville, MA 02145
No additional details provided.
Pittsfield, MA 01201
No additional details provided.
Burlington, MA 01803
No additional details provided.
Quincy, MA 02169 6714
No additional details provided.
Fitchburg, MA 01420
No additional details provided.
Arlington, MA 02474
No additional details provided.
Somerset, MA 02726
No additional details provided.
Stoneham, MA 02180
No additional details provided.
Worcester, MA 01607
No additional details provided.
Somerville, MA 02145
No additional details provided.
Pittsfield, MA 01201
No additional details provided.
Fall River, MA 02724 2935
No additional details provided.
Falmouth, MA 02540
No additional details provided.
Falmouth, MA 02540
No additional details provided.
Newburyport, MA 01950
No additional details provided.
Marlborough, MA 01752
No additional details provided.
Lowell, MA 01852
No additional details provided.
Rockland, MA 02370
Monthly compounding
Lowell, MA 01852
$50,000 - $99,999.99
Lowell, MA 01852
$100,000
East Boston, MA 02128
No additional details provided.
Lowell, MA 01852
$10 - $24,999.99
Fitchburg, MA 01420
Business CheckingPLUS is $5 and the minimum balance to earn dividend is $50.00. A $12.00 fee will apply if your balance falls below $1500 minimum per month. Fees may reduce earnings.
Fairhaven, MA 02719
No additional details provided.
Chicopee, MA 01020 1255
No additional details provided.
Boston, MA 02110
No additional details provided.
Marblehead, MA 01945
No additional details provided.
Yarmouth Port, MA 02675
No additional details provided.
Burlington, MA 01803
No additional details provided.
No additional details provided.
Lowell, MA 01852
No additional details provided.
Lowell, MA 01852
No additional details provided.
Massachusetts Checking Rate Trends
Compare local Massachusetts checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Massachusetts high-yield checking rates rose 0.092 points over the past 7 days to 1.350% APY.
Massachusetts free checking rates fell 0.017 points over the past 7 days to 0.362% APY.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Massachusetts directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Massachusetts. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in MA.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in Massachusetts earn interest?
Are banks in Massachusetts FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Massachusetts
- Baxter Credit Union
PowerPlusTM Checking Level 2 — 8.00% APY - St Marys Credit Union
Kasasa Cash Checking — 5.25% APY - BankGloucester
Elite Reward Checking — 4.06% APY - Webster First Federal Credit Union
First Rate Checking — 4.00% APY - Pentucket Bank
Rewards Checking — 4.00% APY
Checking Account Rates by City in Massachusetts
